We have had a cabana and I personally like cc better withOUT. For me, because we aren't made of money and I grew up with less money, I want to find value in everything. And the ONLY thing a cabana gave that was valuable to me was a structure over my head. But then that structure took the rest of cc away from me, because I felt I had to stay there to get the value. If you are anything like me, don't do it.
On our first cc visit I did the 5k, I changed into my swimsuit in the public bathrooms, rinsed off, and had one of the best, most relaxing days of my life. I've since learned the beauty of going back to the ship to change after the 5k but still, just sitting on the beach on an included lounger under the included sun, watching DS play on the included beach, and maybe having one drink (not included lol )...it's just so nice.
The cabana added nothing to my cc day but stressing that we weren't getting the full value of it.
I will note that DH and DS do not share my feelings. But DH grew up wealthy and DS is growing up in our circumstances which are better than my childhood, so they have different backgrounds.
But really, a day just on cc with nothing extra can be total bliss.